---
schema_version: "secwatch.filing_event.v1"
accession: "0001104659-25-099097"
form_type: "8-K"
ticker: "C"
cik: "0000831001"
company_name: "CITIGROUP INC"
filed_at: "2025-10-14T23:59:59+00:00"
generated_at: "2026-05-17T04:01:54.210563+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.85
calibrated_materiality_score: 0.85
confidence: "high"
source: SEC EDGAR
---

# Citigroup Q3 net income $3.8B ($1.86 EPS) on record revenues of $22.1B, up 9% YoY

## Summary
- Revenue $22.1B (+9% YoY); net income $3.8B vs $3.2B; excluding $714M Banamex goodwill hit, EPS was $2.24.
- Services revenue $5.4B (+7%), Markets $5.0B (+15%), Banking $2.1B (+34%) – each a record Q3.
- Wealth net new investment assets $18.6B (record); USPB revenue up 7% to a record.
- Returned ~$6.1B via buybacks and dividends; CET1 ratio 13.2% vs 13.5% prior quarter.
- Non-accrual loans up 70% YoY to $3.7B; corporate non-accrual surged 119% on idiosyncratic downgrades.

## SEC filing metadata
- accession: 0001104659-25-099097
- form_type: 8-K
- ticker: C
- cik: 0000831001
- company_name: CITIGROUP INC
- filed_at: 2025-10-14T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.85
- calibrated_materiality_score: 0.85
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/831001/000110465925099097/0001104659-25-099097-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/831001/000110465925099097/c-20251014x8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001104659-25-099097
- JSON: https://secwatch.observer/filing/0001104659-25-099097.json
- Plain text: https://secwatch.observer/filing/0001104659-25-099097.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.